ALAN M. WHITE Valparaiso University School of Law 656 S. Greenwich Street Valparaiso IN

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1 ALAN M. WHITE Valparaiso University School of Law 656 S. Greenwich Street Valparaiso IN EDUCATION NEW YORK UNIVERSITY SCHOOL OF LAW J.D Editor in Chief, N.Y.U. Review of Law and Social Change William Miller award for Scholarship in Municipal Law MASSACHUSETTS INSTITUTE OF TECHNOLOGY B.S National Merit Scholar Undergraduate Research Grant, M.I.T. and Massachusetts Legislature, studied drug addiction treatment programs and access to employment and training. UNIVERSITY OF PARIS X - NANTERRE TEACHING EXPERIENCE PROFESSOR (2012-) City University of New York School of Law Queens, NY Teaching and Research interests: Credit Markets, Contracts, Property, Real Estate Finance, Bankruptcy, Commercial Law, Payment Systems, Financial Services Regulation, Consumer Protection, European and Comparative Law. VISITING PROFESSOR (FALL 2011) Tulane University School of Law New Orleans, LA Taught Contracts and Payment Systems. PROFESSOR ( ) Valparaiso University School of Law Valparaiso, IN Taught Contracts, UCC, Consumer Law, Comparative Property Law. ADJUNCT PROFESSOR ( ) Temple University Law School Philadelphia, PA Taught Consumer Protection Law. ADJUNCT PROFESSOR (SUMMER 2001, 2002) Drake Law School Nantes, France Co-taught Comparative Consumer Law course on European, French and U.S. consumer protection laws.

S INSTITUTE OF TECHNOLOGY B.S. 1979 National Merit Scholar Undergraduate Research Grant, M.I.T. and Massachusetts Legislature, studied drug addiction treatment programs and access to employment and training.

2 PUBLICATIONS Market Price, Social Price, and the Right to the City: Land Taxes and Rates for City Services in Brazil and the United States Inter-American Law Review (forthcoming 2012) Losing the Paper Mortgage Assignments, Note Transfers and Consumer Protection, 24 Loyola Consumer Law Journal 468 (2012) Credit and Human Welfare: Lessons from Microcredit in Developing Nations, 69 Washington & Lee Law Review 1093 (2012) The Impact of Federal Pre-emption of State Anti-Predatory Lending Laws on the Foreclosure Crisis, 31 Journal of Policy Analysis and Management 367 (2012) (with Lei Ding, Carolina Reid and Roberto Quercia) The Impact of State Anti-Predatory Lending Laws on the Foreclosure Crisis, 21 Cornell Journal of Law & Public Policy 247 (2011) (with Lei Ding, Carolina Reid and Roberto Quercia) State Anti-Predatory Lending Laws and Neighborhood Foreclosure Rates, 33 Journal of Urban Affairs 451 (2011) (with Lei Ding, Carolina Reid and Roberto Quercia) Book Review: Foreclosed: High-Risk Lending, Deregulation and the Undermining of America's Mortgage Market, by Dan Immergluck & Subprime Nation: American Power, Global Capital, and the Housing Bubble, by Herman M. Schwartz, 9 Perspectives on Politics 446 (2011). Deleveraging the American Homeowner: The Failure of 2008 Voluntary Mortgage Contract Modifications, 41 Connecticut Law Review 1107 (2009) Borrowing While Black: Applying Fair Lending Laws To Risk-Based Mortgage Pricing, 60 South Carolina Law Review 677 (2009) Rewriting Contracts Wholesale: Data on Voluntary Mortgage Modifications from 2007 and 2008 Remittance Reports, 36 Fordham Urban Law Journal 509 (2009) Behavior and Contract, 27 Law and Inequality 135 (2009) The Case for Banning Subprime Mortgages, 77 University of Cincinnati Law Review 617 (2008) Surendettement Proceedings in French Law and Consumer Bankruptcy in the United States: The Social-Democratic and Free Market Approaches to Excessive Debt in Advanced Capitalist Consumer Economies, in RISK AND

Lee Law Review 1093 (2012) The Impact of Federal Pre-emption of State Anti-Predatory Lending Laws on the Foreclosure Crisis, 31 Journal of Policy Analysis and Management 367 (2012) (with Lei Ding,

3 CHOICE IN CONSUMER SOCIETY, (Ramsay, et. al., ed. Sakkoulas Pub. 2007). Risk-Based Mortgage Pricing: Present and Future Research, 15 Housing Policy Debate 503 (2004) (peer-reviewed journal) Literacy and Contract, 13 Stanford Law & Policy Review 233 (2002) (with Cathy Lesser Mansfield) Gentrification, Tipping and the National Housing Policy, 11 N.Y.U. Rev. of Law & Soc. Change 255 ( ) Contributing author, CARTER, ed., PENNSYLVANIA CONSUMER LAW (Bisel 2006); NATIONAL CONSUMER LAW CENTER, STUDENT LOAN LAW (1 st ed. 2001); TRUTH IN LENDING (4 th ed. 1999); CONSUMER BANKRUPTCY LAW AND PRACTICE (6 th ed. 2001). PROFESSIONAL ACTIVITIES Reporter, Uniform Law Commission Committee on Residential Real Estate Foreclosure Statute Chair, A.A.L.S. Section on Creditors and Debtors Rights (2012) Past member, Federal Reserve Board Consumer Advisory Council Member, American Law Institute Consumer Fellow, A.B.A. Business Law Section, UCC Committee Member Research Advisory Council, Center for Responsible Lending Past Member of the Pennsylvania Joint State Government Commission Advisory Committee on Real Property Law Past Member of Pennsylvania Banking Department Advisory Committee on Mortgage Foreclosures Past co-chair and member of the Education Committee of the Eastern District of Pennsylvania Bankruptcy Conference Past Member of Advisory Council to Philadelphia Tax Reform Commission (2004) Consumer representative in U.S. Education Department negotiated rulemaking proceedings under Higher Education Act in 1994, 2000 and Testified before House Financial Services and Judiciary committees, April , July 9, 2009, September 17, 2008

Lesser Mansfield) Gentrification, Tipping and the National Housing Policy, 11 N.Y.U. Rev. of Law & Soc. Change 255 (1982-83) Contributing author, CARTER, ed.

4 Testified before Federal Reserve Board (2000 hearings on the Home Ownership and Equity Protection Act) Testified before the Predatory Lending Task Force of the Departments of Housing and Urban Development and Treasury (2000) PRIOR PROFESSIONAL EXPERIENCE SUPERVISING ATTORNEY ( ) Community Legal Services, Inc. Philadelphia, PA Representation of several thousand low-income consumers in bankruptcy, mortgage foreclosure, commercial law, real estate, consumer credit, truth-in-lending, debt collection, utility, employment, trade school fraud, class action, civil rights and family law cases. Legislative and administrative advocacy in the areas of consumer credit regulation, bankruptcy, foreclosure law, federal higher education financing, and local taxation. FELLOW AND CONSULTANT ( ) National Consumer Law Center Boston, MA Research on consumer law and bankruptcy issues, coauthor or contributor to Truth in Lending, Student Loans and Consumer Bankruptcy manuals, preparation and presentation of testimony before Federal Reserve Board on predatory mortgage lending, expert testimony, case consulting, and research on mortgage foreclosures. SELECTED PRESENTATIONS University of Houston Law School, Teaching Consumer Law, May 2012 Loyola Consumer Law Journal Symposium, Continuing Effects of the Mortgage Crisis, February 2012 University of Pennsylvania Journal of Business Law Symposium, Dodd-Frank and the Future of the Secondary Mortgage Market, November 2011 World Bank, Washington DC, Consumer Bankruptcy and the Foreclosure Crisis, November 2011 Washington and Lee Law Review Symposium, Credit and Human Welfare: Lessons from Microcredit in Developing Nations, November 2011 International Association of Consumer Law, Brunel University, London, Consumer Bankruptcy and the Foreclosure Crisis, June 2011

Philadelphia, PA Representation of several thousand low-income consumers in bankruptcy, mortgage foreclosure, commercial law, real estate, consumer credit, truth-in-lending, debt collection, utility,

5 Law and Society Conference, San Francisco, Market Price, Social Price and the Right to the City, June 2011 George Washington University Center for Law, Economics and Finance Junior Faculty Business and Financial Law Workshop, Welfare Economics and Regulation of Small-Loan Credit, April 2011 (selected from call for papers) AALS Financial Services Financial Institutions Committee, San Francisco, Welfare Economics and Regulation of Small-Loan Credit, January 2011 (selected from call for papers) Conference on Empirical Legal Studies, New Haven CT November 2010, The Impact of State Anti-Predatory Lending Laws on the Foreclosure Crisis Symposium, Anatomy of the Subprime Crisis: Empirical Studies of Loan Document Data, Valparaiso Law School, Organizer, March 2010 Consumer Finance Post-Apartheid: The South African Experience, Hartford CT, Developments in U.S. Consumer Credit Regulation Roundtable, November 2009 Law and Society Conference, Denver, Power, Responsibility and the Legal Ideology of the Consumer, May 2009 Federal Reserve System Community Affairs Research Conference, Washington DC, Credit Market Structures and Outcomes: Discrimination, April 2009 University of Dayton Law School Symposium, Rethinking Lending Regulation after the 2008 Bailout, March 2009 International Association of Consumer Law, Hyderabad India, Microcredit and Poverty, February 2009 U. of Connecticut Law Review Symposium, Deleveraging American Homeowners, November 2008 U. of South Carolina Law Review Symposium, Borrowing while Black, October, 2008 U. of Connecticut Banking Law Junior Scholars Workshop, Case for Banning Subprime Lending, May 2008 Seton Hall School of Law Predatory Lending Conference, Case for Banning Subprime Lending, May 2008

Welfare Economics and Regulation of Small-Loan Credit, January 2011 (selected from call for papers) Conference on Empirical Legal Studies, New Haven CT November 2010, The Impact of State

6 U. of Houston Teaching Consumer Law Conference, Behavior and Contract, May 2008 Indiana Judicial College, Foreclosures and the Courts (Indianapolis April 2008) International Poverty Law Conference, Microcredit and Poverty (Valparaiso IN March 2008) Foreclosure Defense Conference, Convener and Presenter (Valparaiso IN March 2008) (video of presentation available at: National Training and Information Center, Banking and Housing Summit, Mortgage-Backed Securities (Chicago December 2007) Law and Society, New Issues in the Law of Consumer Credit (Berlin July 2007) Federal Reserve Bank of Philadelphia, Access to Credit: Payday Lending and Alternative Credit Products (Philadelphia May 2007) Federal Reserve Board of Governors, Community Affairs Research Conference, Price Discrimination and Foreclosures (Washington DC March 2007) American Bar Association Business Law Section, Consumer Financial Services Committee, Class Action Settlements and Abuses (Park City UT 2006); HOEPA litigation (Breckenridge CO 1999) Practicing Law Institute, Consumer Financial Services, Fair Lending Developments (New York March 2006) Federal Reserve Bank of New York, Community Development Finance Research Conference, Subprime Markets and Predatory Lending (discussant) 2004 National Consumer Law Center Consumer Rights Litigation Conferences: Foreclosure Crisis and Modification Programs, Boston 2010, Philadelphia 2009 Assignee Liability and Holder in Due Course, Minneapolis 2005 Class Action Notices for Low Literacy Readers, Boston 2004 Predatory Lending Myths and Data to Refute Them, Oakland 2003 Ethics in Case Investigation & Class Action Releases, Atlanta 2002 Consumers as Creditors in Lender Bankruptcies, Baltimore 2001 Student Loan Discharges, Denver 2000 HOEPA and Predatory Mortgage Lending, San Diego 1998

v=wodzmxbfefe) National Training and Information Center, Banking and Housing Summit, Mortgage-Backed Securities (Chicago December 2007) Law and Society, New Issues in the Law of Consumer Credit

ALAN M. WHITE Valparaiso University School of Law 656 S. Greenwich Street Valparaiso IN 46383 219 465 7842 Alan.White@valpo.edu

ALAN M. WHITE Valparaiso University School of Law 656 S. Greenwich Street Valparaiso IN 46383 219 465 7842 Alan.White@valpo.edu EDUCATION NEW YORK UNIVERSITY SCHOOL OF LAW J.D. MAY, 1983 Editor in Chief,